Replacement Vehicle

How it works

Cost from £25.50*

Most policies these days will usually provide some provision for a courtesy vehicle. This is typically subject to you utilising your insurer’s approved repairer network and depends on availability of a courtesy vehicle whilst your vehicle undergoes repair.

This policy removes the uncertainty of access to a replacement vehicle for specific incidents and provides you with continued independence and the cost of alternative means of travel.

The Cover

This policy will pay for the cost of hiring a replacement vehicle or provide you with a temporary replacement vehicle should your vehicle be either stolen, undrivable following attempted theft, arson, criminal damage, or interference, involved in an accident with another vehicle, or deemed a total loss.

The main aspects of the policy include:

Replacement car or van
You can choose a class of vehicle and period of hire to suit your needs ranging between 14-28 days and Class A to Class D (or CV1 to CV3) vehicles.

Maximum number of claims
Two claims can be made during the policy period.

A 14-day cooling-off period
During this time the premium will be refunded in full subject to no claims having been made.

Main Conditions

You must first accept a replacement vehicle if offered by your insurers via an approved courtesy car facility

A comprehensive insurance policy must be in force against which a claim must have been reported and claim reference obtained

Reasonable steps must be taken to mitigate the cost of a claim

All incidents, with the exception of road traffic accidents, must be reported to the Police and obtain a crime reference number

You must satisfy the age and licensing rules of the hire company that is chosen and must follow any conditions of hire

Replacement Vehicle claims must be reported to Nice 1 Ltd

Significant exclusions and limitations

The premium is not refundable after the 14 day cooling-off period

There is a 48 hour exclusion period if this policy is not taken out at the same time as the primary comprehensive insurance policy

Vehicle hire costs incurred before a claim is accepted are not covered.

Fuel, fares, fines and penalties relating to hire vehicle are not covered

Claims relating to theft of contents or belongings from the vehicle are not covered.

Claims resulting from theft or vandalism that have not been reported to the Police are not covered

There is a £30 policy excess for each and every claim

A valid Driving Licence (with no more than one 6-month period of disqualification) must be held

The policy cannot be transferred to another vehicle, if you sell your vehicle cover will end

Service

Nice 1 Limited deliver the service. Cover is underwritten by UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE.

* Premium includes Insurance Premium Tax (IPT) at the current prevailing rate.

* This represents the typical cost of the basic product – other options with increased levels of protection are available to suit individual needs.